Flexible financing with lower starting rates.

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At AMB, an Adjustable-Rate Mortgage (ARM) isn’t a different kind of loan — it’s a structure of a conventional loan. Instead of locking in one fixed rate for the life of your mortgage, ARMs begin with a low, fixed introductory rate for a set period (commonly 5, 7, or 10 years), and then adjust periodically based on market conditions.

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How ARMs Work:

• Not a standalone loan – ARMs fall under the umbrella of conventional loan programs.
• Fixed Period – Your rate stays steady for the first 5, 7, or 10 years.
• Adjustment Period – After the fixed term, your interest rate adjusts at regular intervals (ex: every 6 months for a 5/6 ARM).
• Index + Margin – Adjustments are tied to a market index plus a set lender margin, which means your payment can go up or down.

Why Choose an ARM?

• Lower initial rates and payments
• Good fit if you plan to move, refinance, or upgrade before the fixed period ends
• Potential to qualify for a larger loan amount thanks to reduced starting payments

The AMB Advantage:

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We make ARMs transparent, not intimidating. Our technology shows you exactly how your loan could adjust over time, with built-in scenarios and alerts inside our digital mortgage app. That way, you stay in control of your mortgage journey from day one.